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Select Period:
Last Four Years & YTD
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Annual Analysis
Custom Periods
Financial Charting
2013 FQ2 YTD
2012 FY
2011 FY
2010 FY
2009 FY
Period Ended
3/31/2013
9/30/2012
9/30/2011
9/30/2010
9/30/2009
Balance Sheet ($000)
Total Assets
3,710,440
4,022,982
3,137,402
3,021,025
3,021,893
Total Net Loans
2,178,051
2,098,695
1,680,058
1,676,588
1,674,420
Total Deposits
2,799,658
3,111,151
2,296,695
2,142,702
2,082,282
Equity Attributable to Parent Company
494,711
491,122
431,134
430,955
427,456
Total Equity
494,711
491,122
431,134
430,955
427,456
Profitability (%)
Net Income ($000)
13,549
19,888
11,739
20,492
25,861
Net Income Attributable to Parent ($000)
13,549
19,888
11,739
20,492
25,861
ROAA
0.71
0.62
0.40
0.70
0.89
Core ROAA
0.63
0.56
0.29
0.56
0.54
ROAE
5.50
4.45
2.75
4.82
6.22
ROATCE
8.65
7.35
4.82
8.34
10.98
Core ROAE
4.85
3.99
1.97
3.86
3.76
Net Interest Margin
3.35
3.48
3.61
3.74
3.77
Reported: Net Interest Margin
3.39
3.51
3.65
3.78
3.81
Efficiency Ratio
63.79
68.30
72.99
69.62
64.44
Noninterest Inc / Operating Rev
16.35
18.44
18.13
16.99
18.02
Balance Sheet Ratios/ Capital (%)
Loans / Deposits
78.74
68.13
74.18
79.41
81.80
Securities / Assets
30.98
29.14
27.66
31.59
29.80
Total Equity / Total Assets
13.33
12.21
13.74
14.27
14.15
Tangible Equity / Tangible Assets
9.18
8.32
8.94
9.33
9.14
Tang Common Equity / Tang Assets
9.18
8.32
8.94
9.33
9.14
Core Cap / Tang Assets (OTS Only)
9.18
8.32
8.94
9.33
9.14
Asset Quality (%)
NPAs / Assets
1.47
1.39
1.60
1.37
0.80
NPA Excl Restructured / Assets
0.88
1.04
1.33
0.84
0.78
NPAs & 90+ PD / Assets
1.58
1.50
1.73
1.55
0.95
NPAs / Loans & REO
2.46
2.62
2.94
2.42
1.42
Nonaccrual & 90+ & OREO / Assets
0.99
1.15
1.46
1.02
0.93
NPAs & 90+ PD / Loans & REO
2.65
2.83
3.18
2.73
1.69
NPA & Loans 90+ / Tangible Common Equity + LLR
16.63
17.28
18.54
15.73
9.91
NCOs / Avg Loans
0.58
0.56
1.15
0.55
0.62
Loan Loss Reserves / Gross Loans
1.25
1.33
1.63
1.81
1.76
Reserves / NPAs
50.66
50.57
55.46
74.59
123.69
Loan Loss Provision / NCO
88.26
103.56
85.00
108.61
165.24
Per Share Information ($)
Common Shares Outstanding (actual)
44,353,276
44,173,470
37,864,008
38,262,288
39,547,207
Avg Diluted Shares (actual)
43,790,915
38,248,046
37,453,542
38,185,122
38,705,837
Basic Book Value per Share
11.15
11.12
11.39
11.26
10.81
As-reported Book Value per Share
11.15
11.12
11.39
11.26
10.81
Basic Tangible Book Value per Share
7.33
7.26
7.02
6.96
6.60
Reported: Tangible Book Value
7.33
7.26
7.02
6.96
6.60
Common Dividends Declared per Share
0.12
0.24
0.24
0.24
0.24
EPS after Extra
0.31
0.52
0.31
0.54
0.67
EPS after Extra Growth (%)
0
67.70
(42.6)
(19.4)
9.80
Core EPS
0.27
0.47
0.22
0.43
0.41
Core EPS Growth (%)
11.60
109.60
(48.6)
6.90
(36.4)
Diluted EPS before Amortization
0.32
0.55
0.35
0.59
0.73
Pre-Provision Earnings Per Share
0.32
0.55
0.42
0.50
0.60
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